System and Method to Protect Privacy of Personal-Identification-Number Entry on Consumer Mobile Device and Computing Apparatus

4. The system of claim 3, wherein the new randomized PIN layout is a PIN layout selected from a set of predefined PIN layouts.

5. The system of 3, wherein the new randomized PIN layout is a pseudo-random PIN layout generated using a shared secret as a seed for the generation of the pseudorandom PIN layout.

7. The system of claim 6, further comprising: the third device encrypts the randomized PIN layout prior to transmission of an encrypted version of the randomized PIN layout to the first device, and the first device decrypts the encrypted version of the randomized PIN layout received from the third device.

10. The system of claim 1, wherein the first device and the second device are coupled via a local wired or wireless communications link, and wherein the third device is remote to the first device and the second device.

12. The system of claim 1, wherein the second device produces the PIN token based on positions of a PIN layout corresponding to the series of key presses.

13. The system of claim 1, wherein the transaction is authenticated based at least in part on the PIN produced by the third device.

20. The method of claim 14, wherein the second device produces the PIN token based on positions of a PIN layout corresponding to the series of key presses.